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Credit Acceptance (CACC)

Nasdaq Financials Specialized Finance S&P SmallCap 600
$529.56
+6.98 (+1.34%)
Close of Nov 06, 2026 · end-of-day data
Source: Credit Acceptance's 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 06, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue$969.20M$1.11B$1.29B$1.49B$1.67B$1.86B$1.83B$1.90B$2.16B$2.32B
Interest expense$97.70M$120.20M$156.60M$196.20M$192.00M$164.20M$166.60M$266.50M$419.50M$462.90M
Pre-tax income$531.20M$583.80M$755.10M$855.90M$549.50M$1.26B$711.70M$367.60M$329.50M$565.40M
Income tax$198.40M$113.60M$181.10M$199.80M$128.50M$302.60M$175.90M$81.50M$81.60M$141.50M
Net income$332.80M$470.20M$574.00M$656.10M$421.00M$958.30M$535.80M$286.10M$247.90M$423.90M
EPS (basic)$16.37$24.12$29.52$34.71$23.57$59.57$39.50$22.09$20.12$37.02
EPS (diluted)$16.31$24.04$29.39$34.57$23.47$59.52$39.32$21.99$19.88$36.38
Diluted shares20.41M19.56M19.53M18.98M17.94M16.10M13.63M13.01M12.47M11.65M
Net margin34.3%42.4%44.6%44.1%25.2%51.6%29.2%15.0%11.5%18.3%

Balance sheet

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash & equivalents$14.60M$8.20M$25.70M$187.40M$16.00M$23.30M$7.70M$13.20M$343.70M$22.80M
Total assets$4.22B$4.99B$6.24B$7.42B$7.49B$7.05B$6.90B$7.61B$8.85B$8.63B
Long-term debt$541.30M$542.80M$544.40M$1.19B$790.60M$792.50M$794.50M$989.00M$991.30M$1.09B
Total debt$541.30M$542.80M$544.40M$1.19B$790.60M$792.50M$794.50M$989.00M$991.30M$1.09B
Total liabilities$3.04B$3.45B$4.25B$5.07B$5.19B$5.23B$5.28B$5.86B$7.11B$7.11B
Shareholders' equity$1.17B$1.54B$1.99B$2.36B$2.30B$1.82B$1.62B$1.75B$1.75B$1.52B

Cash flow

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow$507.20M$566.00M$703.90M$812.30M$985.20M$1.07B$1.24B$1.20B$1.14B$1.05B
Capital expenditures$5.50M$8.40M$25.10M$26.80M$8.50M$7.60M$3.10M$4.00M$1.80M$1.60M
Free cash flow$501.70M$557.60M$678.80M$785.50M$976.70M$1.06B$1.24B$1.20B$1.14B$1.05B
Investing cash flow-$878.20M-$871.80M-$1.24B-$1.02B-$673.50M$437.30M-$460.60M-$1.42B-$1.72B-$674.30M
Financing cash flow$436.60M$330.30M$599.90M$400.30M-$433.20M-$1.47B-$794.60M$266.20M$957.30M-$724.60M
Share buybacks$121.70M$123.50M$129.10M$300.40M$480.80M$1.47B$784.50M$202.60M$313.30M$725.40M
Stock-based compensation$7.40M$15.40M$10.30M$7.60M$6.20M$24.80M$36.50M$39.10M$45.00M$50.70M
Depreciation & amortization$6.10M$6.00M$5.40M$7.30M$8.80M$9.70M$9.00M$8.90M$6.70M$3.60M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.